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Savings Accounts

Banking that doesn't cost the earth

Saving with Tandem can benefit both your pocket and the planet. Whether it's helping to focus on a long term goal, like buying a home with our Instant Access Saver, or putting some of your hard-earned savings to good work in our Fixed Saver by lending to others and helping them transition to a greener car or home.

Instant Access Saver
% AER* (variable)
Fixed Savers
Up to
% AER*
*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded each year. This allows you to compare easily what return you can expect from your savings over time.
Your money is protected up to £85,000
We’re rated Excellent on Trustpilot
Best App Based Savings Provider
Our products
Choose the way you save
Saving with Tandem is simple. We’re a digital bank, which means you can easily manage and track your savings inside our app. You can open an account as quickly as making a cuppa.

Instant Access Saver

Earn interest on your money and still have access to it whenever you need.

24/7 access to your funds

Unlimited deposits and withdrawals

Variable interest rate

Explore Instant Access Saver
The Tandem App's smart phone screen displays an Instant Access Savings account, simplifying savings towards diverse financial goals.
% AER (variable)

Fixed Saver

Secure a fixed interest rate by locking your money away for a fixed period of time.

No withdrawals during your term

14 days to fund your account

Guaranteed return over time

Explore Fixed Saver
The Tandem App showcases a Fixed Saver account on the smartphone screen, offering a secure path towards achieving specific financial goals.
Up to
Start saving for your
Start saving
for your
next car
first home
big day
dream holiday
The benefits
Why should you save with Tandem?
With app-based savings, the benefits are endless. But unlike most other banks, when you open a Tandem Fixed Saver, we use some of your savings towards greener lending initiatives - helping more people make their homes and cars more sustainable.
A nature image looking up at a beautiful spring forest with sun rays shining through tall green trees.
A builder, wearing a high-vis jacket and hard hat, installing wall insulation to the inside of a loft to make a home more energy-efficient.
Over-the-shoulder view of a woman checking her home's energy usage on her phone via Tandem's Green Hub within the Tandem app.
White electric car (EV) being charged at a charging station powered by sustainable and clean energy.
Quick and easy

Open an account in as little as 5 minutes, whenever and wherever you like.

Competitive rates

Choose from a range of terms and access competitive interest rates.

Fast transfers

Transfer money directly from your UK current bank account, using Open Banking.

Fully digital

No branches, no unnecessary paperwork. Everything happens within our secure app.

Safe and secure

We're a fully regulated bank, so your money is protected up to £85,000 by the FSCS.

On hand support

Our UK-based customer service team are available via live chat, phone or email.


We  focus our lending towards greener initiatives to help people reduce their carbon footprint.

With our customers' savings, we've already financed over £523m in home improvements, to make UK housing more energy efficient. Banking doesn't cost the earth with Tandem.
Find out how our energy saving products can help you save more than just money
You're in safe hands

We’re a fully regulated UK bank so you can rest easy knowing that your money is protected, up to £85,000 by the Financial Services Compensation Scheme (FSCS), the UK’s deposit guarantee scheme.

FSCS logo
Awards and reviews

Trusted by more & more people, who have the opportunity to make a difference

We’re rated Excellent on Trustpilot
120,000+ Tandem App downloads
Best App Based Savings Provider

Got a question?

Find answers to our most common questions when it comes to saving with Tandem. Or head to our dedicated FAQ page to find out more.
What devices support the Tandem app?

We recommend that you use our app on your smart phone, which it is designed and optimised for. You can view your account through the Tandem app on a tablet if you prefer, but it may not run as smoothly.

Does applying for a savings account affect my credit score?

No, as we only carry out a soft check when you open a savings account with us, this does not impact your credit score.

Am I eligible to open a savings account with Tandem?

To open an account, you must:

  • Be at least 18 years’ old
  • A UK resident (including for tax purposes)
  • Have a current address in the UK
  • Hold a UK-based current account in your name
Does Tandem offer joint savings accounts?

No, at the moment Tandem savings accounts can only be opened in a sole name.

How does Tandem ensure my money is safe?

The savings you have with us are protected up to £85,000 by the Financial Services Compensation Scheme (“FSCS”), the UK’s Deposit Guarantee Scheme. So in the unlikely event of Tandem facing difficulties, the FSCS will compensate you if we are unable to pay back your money and as a minimum you would get your money back up to that limit. You can find out more about how the Deposit Guarantee Scheme works and how much of your savings are protected in the FSCS information sheet available in the Tandem app or by visiting